What is Hazard Insurance on a Home Loan?
When you take out a home loan, the mortgage lender will require that you have hazard insurance. This isn’t the same thing as mortgage insurance. Hazard insurance protects you, while also protecting ...
How to Shop for Home Insurance
Shopping for home insurance is one of those tasks that you shouldn’t keep until the last minute, especially if you are buying a home. The last thing you want to do is make rash decisions when it comes ...
How do Insurance Companies Determine Home Replacement Value?
You buy home insurance to protect your home should a disaster occur and you need to rebuild it. But how do you know how much to insure it for? Sure, you know the value of your home, but that’s today. ...
Is Assisted Living Covered in a Long Term Care Policy?
Medicare doesn’t cover assisted living and they are pretty upfront about that. If you have a long-term care policy, though, will that cover it? Luckily, the answer is ‘yes.’ But, no two ...
Five Benefits of Working With an Independent Agent
Buying insurance can be confusing. How do you know how much you need or what type of coverage is necessary? Insurance agents can shove many different terms and coverage amounts down your throat, how ...
Does Your Credit Affect Your Insurance Premiums?
Your credit score affects many things including your homeowner’s insurance premiums. While the way insurers look at your credit isn’t the same as a mortgage lender looks at it, there’s still a need to ...
